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Zopa: Smart Saver reviews

View other Zopa products
4.93
Based on 8,145 reviews, last reviewed 20th Apr 2026
101% increase in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
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5%
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Latest highest rating:

5

Zopa all the way! Zopa has competitive interest rates and the platform is really easy to use. Reviewed on: 20th April 2026
Carys Wynn-Green's avatar
Carys Wynn-Green

Latest lowest rating:

1

Very poor customer service. The financial product is as good as any other financial provider, however, their customer service is appalling. You get cut off or passed from person ... Read more Reviewed on: 17th November 2025
Bernadette Fitzmaurice's avatar
Bernadette Fitzmaurice
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About this product

Zopa Bank have an instant access savings account called Smart Saver.

Smart Saver can be opened with just £1 and you can split your savings into personalised pots using the Zopa Bank app. You can save up to £250,000 across Smart Savings Hub pots.

Zopa Bank Smart Saver account reviews help you find out what it’s like to be a customer. If you’ve used Zopa Bank before, you can also leave a review and share your experience.

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Zopa Smart Saver reviews (8145)

Excellent service with good rates

5
I have been using this company for years. They have always been efficient and have been prompt at changing interest rates in relation to market rates Reviewed on: 11th January 2023
james godbold's avatar
james godbold

Best of the Easy Access Savings

5
Easy to setup, easy to use and the rates are the best of the easy access savings accounts. If you want a little extra interest boost just transfer funds into a higher notice bin, couldn't be simpler. Reviewed on: 11th January 2023
Jon Conway's avatar
Jon Conway

Easy to use

5
Great app based savings account, easy to use, easy to move money in and out. Would highly recommend Reviewed on: 11th January 2023
Sukie Cheng's avatar
Sukie Cheng

Super duper saving rates

5
Excellent easy to use app and well presented. Reviewed on: 11th January 2023
Gareth Jones's avatar
Gareth Jones

Great Product

5
I have only recently opened a Smart Saver with Zopa and glad to see some encouraging interest rates which are inspiring me to save. I also like the different tiered boost rates within the one product so plenty flexibility to suit every situation. Reviewed on: 11th January 2023
marie.main16@talktalk.net's avatar
[email protected]

Brilliant App

5
Had to set up several banks accounts after the sale of my home. The great interest rate and easy to navigate App, made it my favourite choice. Reviewed on: 11th January 2023
Helen M's avatar
Helen M

Easy to use app

4
Easy to use app and the rates are better than the high street banks Reviewed on: 11th January 2023
Abi A's avatar
Abi A

Easy to use

3
Great interest rate as compared to other banks. That’s the winning factor alone! Reviewed on: 11th January 2023
Owen Ho's avatar
Owen Ho

Hidden Gem

5
I don’t think many people know about Zopa and their Smart Saver but it’s an absolute gem. The simplicity, speed, ease of using notice period based buckets and rapid response to increasing rates has been a revelation. Mainstream banks and building societies should take note of how to put a competitive financial product and mobile app together. Reviewed on: 11th January 2023
James Crossett's avatar
James Crossett

Great rates and really simple to use

5
The saver rates are some of the very best around, and deposits and withdrawals appear to be instantaneous. About all you can ask for. Really simple to use app, and a great experience. Reviewed on: 11th January 2023
Joe Howell's avatar
Joe Howell

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